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lillboy -v- First Direct


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i have just sent my DPA letter to first direct they are going to supply all statements for last 6 years and have returned my cheque for £10.00 i supplied to cover the charges.

 

I would also like to say that i once had charges totalling £215.00 pounds one month but first direct only took £150.00 because they said that charges where capped to a limit of £150.00. it may pay you to check have not had a refund in the same period to limit these charges.

 

Good luck

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Hi

it's been 2 weeks since they said they would be sending statments, still not heard anything.

How long does it normally take for statements to come from bank after request was made.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Mine took exactly 2 weeks (after I hand delivered the DPA to HSBC branch).

Nemo me impune lacessit!

The hours of folly are measured by the clock; but of wisdom, no clock can measure.

As long as one person lives in darkness, then it seems to be a responsibility to tell other people.

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DHL Tried to Deliver them today

i am getting excited :D

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Got my Statements Today

My Charges Total 1169.50

Interest £244.18

Letter going out on monday

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Hi

Just putting my letter together from library could someone plaese answer the following question.

1. do i need to calculate the intrest charges if so is that the spreadsheet which adds 8% to the charges.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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The spreadsheet in the library does add the 8% interest to the amount you are claiming. However, you don't do this until you get to the stage of filing a claim. Until then, just ask the bank for a refund of charges - £1,169.50 in your case.

 

Good luck and keep us posted.

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Hi Thanks

Posted letter today just asking for the charges back.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Hi All

Update

Got letter back today stating the they think the charges are fair and that i agreed to them when opening the account.

will post my LBA 5/06/06.

Does anyone know at which stage they are likely to back down.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Hi All

Update

Got letter back today stating the they think the charges are fair and that i agreed to them when opening the account.

will post my LBA 5/06/06.

Does anyone know at which stage they are likely to back down.

 

You must have a good postman delivering mail on a Bank Holiday Monday! :D

 

If you look at the survey results http://www.consumeractiongroup.co.uk/surveyresults.php the average stage of them refunding money seems to be after you have started a claim (probably after they've filed a defence to drag it out as long as they can!)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Ok Got it Saturday.

Thanks for being so clinical.:D

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

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As barracad says, you should expect the settlement within a week or so of filing the moneyclaim.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Onwards and upwards!

 

Good luck, keep us posted!

 

Also, when you get settlement, perhaps you could consider donating 5% to the site...?

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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5% on it's way on both claims if successful.

Small Price to Pay.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Got my reply from Robert Kernaghan.

the usual thank but no thanks your not getting a refund.

got to wait now till 19/06/06 to file money claim. this gives me time to get my head round it. does anyone know if you can save your claim online and the activate it on the correct day. i will look into the site tonight but any pointers would be appreciated.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Following with interest lillboy. My first post! Been reading through the forum and yours is the first thread that doesn't break the law of the very last FAQ:;)http://www.consumeractiongroup.co.uk/forum/showthread.php?t=1

 

I'll be following rapidly in your footsteps as soon as I get my DPA request letter together.

 

 

Hi Bigpants can you please start your own thread

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Got my reply from Robert Kernaghan.

the usual thank but no thanks your not getting a refund.

got to wait now till 19/06/06 to file money claim. this gives me time to get my head round it. does anyone know if you can save your claim online and the activate it on the correct day. i will look into the site tonight but any pointers would be appreciated.

 

Yes you can begin to prepare your claim and moneyclaim will save it for up to 30 days .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Not a good start

what is the claim discription ?

Refund of unlawfull charges !

got stuck on stage one.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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LOL!!! Claim brief description:

 

Refund (Recovery?) of charges levied by the Defendant which are believed to be unlawful.

 

Refund (recovery?) of amounts debited by the defendant from claimant's account(s) in respect of account charges which are believed by the claimant to be unlawful.

 

etc etc etc blah blah blah

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Cheers on money claim right now

there may be more questions later.

good job i got day off.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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Dailey interest .

i have looked through many pages stating how to calculate dailey interest could anyone please confirm the correct formula

 

Total Figure inc.8% x o.o22

Total figure inc 8% x 0.00022

or

077. x Total Claim divided 365 days

 

My Total Claim is £1169.50 Plus 8% interest of £251.90

 

do i put £1421.40 as total value of claim.

 

Please Help.

i have looked honest.

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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OK, you work out the interest on each charge up to today, using the Fantastic Spreadsheet...

 

From today onwards, you claim 8% PER YEAR on the whole amount. 8% divided by 365 days per year = 0.022% - so you claim 0.022% per day on the whole balance from today until the date of your hearing.

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forgive me but does that equate to

£3.12 a day

 

So sorry for these silly questions

Thanks lillboy

 

 

 

Bogus Charges £499.00 LBA 1/06/06

Refund of £299.00 now sent Data Protection Act:)

 

GE Capital NEXT

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